As we head into the middle of the winter months it's extremely important that you pay attention to your pipes. The world famous Farmers Almanac® has forecast a very cold winter. With the extreme cold brings the possibility of frozen pipes in homes and businesses. State Farm ® insurance reports that the average cost for water claims is on the rise - that the average cost per claim - approx $15,000 - is up 33% from 2007 to 2008. While most insurance carriers cover damage done by broken pipes, avoidance is always the best option. So what can be done?